KR20020083983A - Brokerage system of bills and paper cards with bill insurance. - Google Patents

Abstract

PURPOSE: A system for intermediating a bill and a bill card subscribed for a bill insurance is provided to improve convertibility of a bill and to enhance stability based on the guarantee through the insurance benefit by making a bill drawer subscribe for the bill insurance. CONSTITUTION: A purchaser company draws bills by subscribing for the bill insurance. The bill insurance guarantees the full payment of the insurance benefit when the bills are dishonored. A seller company receives the bills safely after checking if the purchaser company is subscribed for the bill insurance on the Internet. A financial authority checks the insurance subscription of the bills, and a bill holder is preferentially paid regardless of the status of the bills. A non-matured bill is immediately discounted at a low rate regardless of the credit ratio of a bill drawer.

Description

Intermediation system of bills and paper cards with bill insurance. {Omitted}

BACKGROUND OF THE INVENTION 1. Field of the Invention [0001] The present invention relates to bill insurance (hereinafter referred to as "Issuance Bill Insurance"), which is issued by a publisher on the Internet and a network, and to a brokerage system for handling bills and bills in which the bill is signed. Issuance of bill insurance, and the brokerage system for handling bills of bills in which the bill holders reimburse immediately upon presentation of bills to financial institutions. And a relay system that uses paper cards instead of paper.

In the past, paying paper bills tends to be reluctant to receive paper bills, and it is often reissued through endorsements, which can lead to chain failure if the bill is defaulted. In addition, it is not easy to make a discount or discount, and in particular, in the case of an unnamed small and medium-sized company, even if the discount is high, the discount rate is high and additional loss occurs, so it is not easy to exchange notes.

As one of the conventional techniques and methods of paper trading in which this technology belongs, in the Credit Guarantee Fund, when the serial bankruptcy of SMEs reached a severe level during the last IMF, the person who received the bill to prevent it If you sign up, you can pay 60 to 80 percent (%) of the bill, even if the bill fails later.

However, Inama also restricts the insurance to only those who receive the paper directly from the issuer (first endorser) or who he endorses and reissues (secondary endorser). Endorsement tertiary) does not even have the opportunity to purchase insurance. In addition, it is not clear that the bill is insured according to the issuer's credit rating. In some situations, you may receive bills, so you still have to avoid transactions.

In addition, if the bill is in default, only 60-80% is paid without paying the full amount. If the bill is bankrupt when the bank discounts it, an additional 20-40% (%) is added. The note holder of the Credit Guarantee Fund, as well as the uncertainty of collecting from endorsers and publishers, and the additional costs incurred in collecting, as well as the risk of loss of 20-40 percent (%) if the collection fails. The fact that this insurance is insured alone, the draft can not be discounted unconditionally, after all, in the general bond market can not be discounted even at a high discount rate.

The policyholder who pays the bill must pay a premium of 0.5 percent to 10 percent (%), depending on the creditor's creditworthiness. However, only 60 to 80 percent of bills are covered by insurance, so 0.5 to 10 percent of insurance costs and 20 to 40 percent (%) of unpaid urban debt are combined. You will lose 50 percent. In other words, if you get a bill, the worst case is that if you lose 50 percent (%), you're selling half the price. If you sell goods normally and take the money as a bill and incur a large loss, this means that the company can't function as an insurance, and the company can lead to a chain default. Many of the disadvantages, such as not even properly prevent

As one of the conventional techniques or methods to which this technology belongs, electronic credit sales receivables (hereinafter referred to as "electronic bonds") are created together by banks and financial regulators for the purpose of developing inter-company payment settlement methods. This is an electronic implementation of the accounts receivable issued by.

"A company that has a prior agreement with a bank purchases goods through commerce and designates a goods selling company as a creditor to issue a purchase price at a given point of time. The bank can receive the funds at maturity date, and if the funds are needed before the maturity date, it can be cashed early by obtaining a loan from the bank with the electronic bonds. Guaranteed e-bonds issued by the issuing bank on behalf of the issuing bank when the bank fails to guarantee payments and the purchaser cannot settle the amount of the electronic bonds at maturity. There are two types of bonds: e-bonds are not transferable, unlike paper bills. Quasi agreed to sanctions. "

The above summarizes the contents of "Understanding of E-Trade Receivables," published in the March-April 2002 issue of Payment and Information Technology issued by the Korea Securities and Exchange Bimonthly.

However, although the name of the electronic bond has been changed, it was developed to replace some of the paper bills as an online payment means and to improve some of the shortcomings of paper bills by preventing the transfer of money by distributing them. It is only.

In the case of guaranteed electronic bonds and non-guaranteed electronic bonds, the non-guaranteed electronic bonds are paid by the issuing bank, but the guarantee of payments is if the bank is a very good company or provides collateral to discount the notes. As a result, ordinary SMEs are forced to issue non-guaranteed electronic bonds.

In the "Understanding of Electronic Credit Receivables," published in the March-April 2002 issue of Payment and Information Technology, described in "2. Activation Directions, B. Support for Enterprises, and Tax Reduction." On the other hand, in the case of electronic bonds, corporate tax can be reduced only when issuing guaranteed electronic bonds, and even when issuing non-guaranteed bonds, most companies will issue non-guaranteed electronic bonds. Corporate tax exemptions should be extended, and the tax exemption period up to 2002 should be extended. ”This is an example of the fact that most companies, including general SMEs, have no choice but to issue unguaranteed electronic bonds.

Therefore, although banks issue guaranteed e-bonds with guaranteed guarantees for some good companies, they usually have to use unsecured e-bonds, which still have the risk of outstanding outstanding, ie, default. In other words, from the point of view of the selling company who needs to sell goods and receive payments, e-bonds are nothing more than electronic notes, given the risk of default. Like conventional papers, electronic bonds also have the disadvantage that they cannot be secured from bankruptcy risk.

In addition, like a paper discount, electronic bonds also take the form of collateral loans that lend electronic bonds as collateral by early cashing methods to achieve the same result as discounts. In this case, legal issues under Article 450 of the Civil Code and Article 3 of the Annex. In other words, 'Notify and obligor of the debtor of the designated city of both cities, and the debtor must accept, and such notice or acceptance is a notary public and a public office that has a force against the third party only by a deed dated certificate and can give the fixed date.' As a result, it takes about 3 to 4 days before the loan is made, and despite the name of electronic bonds, it is impossible to implement it completely electronically because notification or approval by a deed dated offline is required. to be.

Another one of the conventional techniques or methods to which this technology belongs is a bank's corporate purchase card (or corporate purchase card, hereinafter referred to as corporate purchase card). For example, Shinhan Bank's 'Shinhan Visa Purchase Card' If you look,

Shinhan Visa Purchasing Card is different from the existing card and is a kind of electronic money which is a kind of electronic payment method between companies used online. In other words, after making a purchase on the Internet and paying the bill electronically, the deposit is made on the payment date specified after a certain period of time (credit donation period), such as a bill. If you keep a slip and get paid on the maturity date or early cash, you can discount the bill like a bill. The cost of the interest (discount) is paid by the seller (the seller of the bill) just like the bill.

After all, corporate purchase cards have the effect of making commerce transparent and paying taxes clearly, but the disadvantages such as the risk of existing bills still exist, and companies with insufficient collateral are not easy to use.

As one of the conventional techniques or methods to which this technique belongs, the corporate purchase fund loan system uses a bill of exchange, which partially improves the existing bill system and has a different form, but also has a similar aspect to the bill.

The purchaser who wants to use the corporate purchasing fund enters into a transaction agreement with financial institutions and suppliers in advance, and after the supplier delivers the goods, the buyer issues the draft and pays the bill of delivery. When the bank asks for collection, the purchasing company is a system that allows the purchaser to pay for the draft, which is the purchase price, by financing the corporate purchase funds within the range of loans agreed in advance with the bank when the payment is made. The purchase loan is to focus on improving the supplier's working capital situation by issuing drafts, and the bank of the purchasing company pays bills to the purchaser so that the settlement can be made within 7 days from the date of presentation of the draft. From the point of view of the bank from the point of view of the loan collection that I borrowed by a bill of exchange bill in the point of a loan Because of the risk, it is impossible to lend corporate purchase funds unless it is a good creditor or a security firm. Therefore, companies that lack credit or collateral have a disadvantage in that it is not easy to use, and is used mainly for large companies.

As one of the conventional techniques or methods to which this technology belongs, instead of the purchaser paying the purchase price in advance, the supplier receives a loan from the bank to secure a credit account and collects the money in advance. After a certain period of time, an electronic credit guarantee loan system, which is a payment system in which a purchaser repays this loan on behalf of a bank, is issued by the bank account. The loan interest is preempted in the same way as the discounted bill. This is similar to the above-mentioned electronic bond and implements bills electronically.

In addition, since it is not easy to use for ordinary SMEs, which are not good companies in terms of loaning credit accounts receivable as collateral, most purchasing companies use it. In other words, there is a disadvantage in that it is impossible to guarantee the credit or repayment ability of general SMEs because of the limitation that it is possible only if the purchasing company has the credit or security ability. Furthermore, loan handling banks are required to handle loans within 7 days of the date when the loan application sent by the vendor using a computer, etc., to recover the sales price reaches the loan handling store. Another disadvantage is that it takes less than a day.

The present invention has been made in view of this point, and the publisher of the bill directly insures him of the discount rate loss according to the issuer's credit, and the insured bill is 100% (%) By paying the full amount of the claim, the bill holder may present the bill to the financial institution at any time, and the financial institution shall immediately check whether the bill is insured and whether it is a default bill, a maturity note or a less than one note. It is aimed at relaying a refund (prepayment or discount), which is intended to relay the bill as cash.

In addition, since the full reimbursement of the bill is guaranteed by the insurance, the financial institution only checks whether it is insured and irrelevant to the issuer. This aims to ensure that the drafted company can smoothly manage its working capital without paying high discounts.

In addition, even companies with a primary default due to the lack of bill payments deposited at financial institutions on the expiration date of the bill, or surplus companies, as well as companies that can regenerate, immediately prevent insurance from incurring bankruptcy. It aims to create more free business conditions.

In addition, if a bill is used instead of a bill, a separate dedicated terminal can be used, as well as a convenience to use a bill by using a conventional general credit card terminal, and a universal means of payment in the modern world internationally It is intended to implement a trade of bills using the cards located in the market.

1 is a system configuration diagram according to an embodiment of the present invention.

FIG. 2 is a conceptual diagram illustrating an intermediary process of a relay system in order to help understand the insurance insurance subscription and the handling of the bill according to an embodiment of the present invention. FIG.

3 is a conceptual diagram illustrating a relay system showing a relay process of issuing, using, and paying a bill issued by a bill insurance company and a credit card company according to an embodiment of the present invention;

4 is a conceptual diagram of a subscription of bill insurance, in which a bill is simply replaced by the use of a bill, within a framework of an existing bill, and a handling processing relay system for bills subscribed to the bill;

The present invention relates to a publisher's billing insurance billing system and a billing processing brokerage system for the billed bills on the Internet.

It is connected to the insurance company server 310, the corporate credit information provider or institution server 320, the financial settlement server 410 and the like by a dedicated line, the web server 210, the authentication server 220 by itself , The host 200 of the company (hereinafter referred to as the "executor") equipped with the database management server 240, the database 250, the central processing unit (CPU) 230, and the like, the terminal 110 of the purchasing company. And connected to the terminal 120 of the selling company via the Internet, connected to the terminal 421 of the financial institution by a dedicated line and the financial common network 400, or connected to the Internet,

Means for connecting the insurance company's terminal 110 to the insurance company server 310 via the enforcement company host 200, if there is a request for the insurance insurance from the terminal 110 of any of the purchasing company, insurance company server Means for allowing the purchasing company to sign up for bill insurance and pay premiums at 310 and means for managing data about billing and billing of bills intercepted in the interim by database 250;

Means for authenticating the purchaser when there is an application for the application of the note insurance of each note from the terminal 110 of the purchaser that is the insurance policyholder;

If the purchasing company is certified, the database 250 manages the means for approving each bill to be applied to the bill insurance within the agreed-upon limit of bill insurance and the data on the approval of the bill insurance. Means for doing so;

When there is a request to view the database 250 from the terminal 120 of the selling company, the terminal 120 of the selling company displays a search screen for the bill insurance application approval data of each note managed by the database 250. Means for retrieving the note insurance application approval data of each note;

When there is a request to view the database 250 from the terminal 421 of the financial institution, the terminal 421 of the financial institution displays a search screen of the note insurance application approval data of each note managed by the database 250. Means for retrieving the note insurance application approval data of each note;

Means for authenticating a terminal 421 of the financial institution or an employee of the financial institution when a request for payment of a defaulted bill is received from the terminal 421 of the financial institution;

Means for receiving the insurance payment request information for the bankruptcy bill from the terminal 421 of the financial institution and transmitting it to the insurance company server 310 when the terminal 421 of the financial institution or the employee of the financial institution is authenticated; Means for managing the insurance claim request data by a database (250);

Means for gathering information about a claim paid by an insurance company in response to the claim request; It is provided with a bill insurance and handling handling intermediation system of bills subscribed to the insurance.

When the terminal 110 of any of the purchasing companies described above is connected to the insurance company server 310 via the enforcement company host 200 and the purchasing company subscribes to paper insurance,

Means for obtaining corporate credit valuation information data of the purchasing company, means for obtaining the purchasing company information including financial status, bill issuance amount, debt size, number of years of business, etc., obtained purchasing company information and Means for calculating a billable amount of billable insurance by comprehensively calculating corporate credit evaluation information, insurance premiums, total corporate default rate, and the like, and means for delivering information about the determined limit amount to the insurance company server 310 in real time. of; Of course, it can be easily carried out by anyone with expertise in this field.

If there is an application for paper insurance application for each paper from the terminal 110 of the purchaser of the paper insurance subscriber mentioned above, the purchaser is certified and if the buying company is certified, it is within the limit of the applicable insurance policy. In the means of authorizing each bill to be covered by bill insurance,

When paying premiums separately for each bill applied to bill insurance, the terminal 110 of the purchasing company is connected to the server 310 of the insurance company via the host company 200, and the purchasing company separately. Means for making a payment; Of course, it can be easily carried out by anyone with expertise in this field.

The case where a separate premium is to be paid each time the bill is applied to the bill is based on the fact that the purchaser can select the collective insurance and the individual insurance from among the types of insurance when purchasing the insurance. In the case of collective insurance, if a certain premium is paid for a certain period of time, the insurance can be freely issued with the approval of the insurance coverage within the specified insurance limit. You pay only a down payment or a certain premium, and you have to sign up first, and then pay the premium for each bill separately, each time you get approval to apply for the insurance.

The purchaser company is connected to the insurance company server 310 via the enforcement company host 200 after accessing the Internet through the purchasing company terminal 110 to subscribe to the insurance bill of the insurance company, the enforcement company host 200 A means for making a payment agreement and a payment data management means, and a means for entering into an insurance contract for purchase of a bill of insurance with the purchaser, a means for receiving a premium, and a database of data about the insurance contract. Means for administering the insurance undertaking and insurance premium payment data to an insurance company, and a business partnership with the insurance company for direct billing insurance. Signing an insurance policy can be easily carried out by anyone with expertise in this field.

When there is a request to view the database 250 from the terminal 421 of the financial institution described above, the terminal of the financial institution displays a search screen for the note insurance application approval data of each note managed by the database 250. Means for transmitting to (421) and retrieving the note insurance application approval data of each note; In

Further comprising payment means and payment data management means,

In addition to the data output screen for the approval of the application of the bill insurance of the bills being read by the terminal 421 of the financial institution, the bill is displayed in one screen by adding the 'Payment for the bill payment and the discount application'. Means for expressing additional paper advance and discount applications, including bill types, processing dates, etc., to distinguish between the amount of the bill, the amount of the payment, the discount of the bill or the prepayment of the maturity of the bill; Means for managing the application information input data by the database 250 and a means for automatically transferring online payment of the prepaid or discounted payment from the financial institution to the account of the financial institution. Brokering for clearing of paper discounts and prepaid payments requires a professional knowledge of this field. If it is understood that anyone can easily be carried out.

In the above, although the name and form are different from the notes, when the purchaser as the issuer of the bond decides to pay after a certain period of time, and the seller as the holder of the creditor cashes them early, the discounter or the loan secured by the creditor. For bonds (or vouchers) with similar notes and characteristics in the form of paying the financial costs of early cash, such as interest, the bonds or issuers of the bonds are insured or guaranteed on the Internet or in the financial community 400. Depending on the creditor's creditworthiness, the insurance company shall subscribe to insurance or payment guarantees that are similar to those of bill insurance, which lowers or lowers the cost of bond discounts or mortgage interest rates due to insurance. After signing up, each time a bond is issued, it must be approved for insurance coverage. Those with expertise in areas that include all readily performed, so that similar bonds, the electronic credit sales bond, foreign sales of electronic credit sales bond mortgage bond scheme.

The following relates to a system for relaying the use of paper bills and bills slips issued by credit card companies that function similar to the paper bills.

Insurance company server 310, credit card company server 340, authorized relay van (VAN) 350 (hereinafter, authorized brokerage van) for brokering transaction approval when using a credit card, financial settlement server 410, financial institution server 420 is connected to the dedicated line and the host server 200, which itself has a web server 210, database management server 240, database 250, the central processing unit (CPU) 230, etc., The terminal 110 of the purchasing company is connected to the Internet, and the terminal 421 of the financial institution is connected to a dedicated line and the financial common network 400 or connected through the Internet.

Means for connecting the insurance company's terminal 110 to the insurance company server 310 via the enforcement company host 200, if there is a request for the insurance insurance from the terminal 110 of any of the purchasing company, and the purchasing company Means for subscribing to the bill insurance at the insurance company server 310 and paying the insurance premium, and for managing the billing insurance subscription and the premium payment data intercepted in the middle by the database 250;

If there is a request for issuing a card from the terminal 110 of the purchasing company, means for connecting the terminal 110 of the purchasing company to the credit card company server 340 via the host company 200, and the purchasing company credit Means for requesting a card issuer in the card company server 340 and means for managing data relating to the request for issuance of the card intercepted by the database 250;

Means for receiving data regarding the transaction approval request information from the VAN 350 of the credit card authorization brokerage company, and the received transaction approval request information. Means for modifying the installment period to the expiration date using software that changes the data on the installment period to data for the period left until the expiration date (hereinafter referred to as the expiration date), and a transaction approval request including the revised data. Means for transmitting data relating to the information to the credit card company server 340, and means for managing transaction approval request information including the modified data by the database 250;

If there is a data transfer request for the transaction approval number information from the credit card company server 340, means for receiving data about the transaction approval number information, and receiving data about the transaction approval number information in the approval relay van (VAN) Means for transmitting in real time and means for managing information data relating to a transaction approval number by the database 250;

If there is a request to view the database 250 from the terminal 421 of a financial institution, a search screen for data relating to specific items such as insurance subscription information, card usage information, that is, sales slips managed by the database 250, and the like. Means for transmitting the data to a terminal 421 of the financial institution and reading data relating to a specific item;

Means for receiving data on insurance claims from the credit card company server 340 and forwarding them to the insurance company server 310, and means for managing the received insurance claims data by the database 250. ;

Means for collecting the information data on the card payment of the purchasing company and means for managing the collected data by the database 250; It is a matter of course that anyone who has expertise in this field can easily implement a brokerage system on the purchase of a company's bill insurance, and the issuance and use of a bill of the bill. .

Next, in the purchase insurance company of the buyer of the paper issuer and the handling processing relay system of the papers insured by the insurance issuer,

It relates to a bill insurance and the handling processing relay system of bills in which the bill is simply replaced by the use of bills in the framework of existing bills instead of the bills.

Instead of bills, the bills and bills sales slips are used, but the bills are replaced by bills, and the bills are sold to the bills in exchange for bills. In order to make a payment, and the purchaser using the draft card deposits the paper card payment in the transaction bank, as the purchaser deposits the paper payment in the bank at the maturity date;

Like a credit card company, it has a means for processing and managing data according to the use of credit cards, such as receiving authorization request information and granting transaction approval numbers.

The insurance company server 310, the approval relay van (VAN) 350, the KFTC server 410, the financial institution server 420 and the like connected to a dedicated line, the web server 210, the database management server 240 ), A host company 200 having a database 250, a central processing unit (CPU) 230, or the like, is connected to a terminal 110 of a purchasing company via the Internet, and a terminal line 421 of a financial institution is provided with a dedicated line. Connected to the financial common network 400 or connected through the Internet,

Means for connecting the insurance company's terminal 110 to the insurance company server 310 via the enforcement company host 200, if there is a request for the insurance insurance from the terminal 110 of any of the purchasing company, and the purchasing company Means for subscribing to the bill insurance at the insurance company server 310 and paying the insurance premium, and for managing the billing insurance subscription and the premium payment data intercepted in the middle by the database 250;

If there is a request for issuing a card from the terminal 110 of the purchasing company, the database 250 manages the means for receiving the card issuing application from the terminal 110 of the purchasing company, and the data relating to the billing card issuance application; Way;

Means for receiving data relating to the transaction approval request information from the merchant terminal when there is a data transfer request regarding the note card transaction approval request information via the approval intermediary van (VAN) 350;

Means for modifying the installment period to the note expiration period using software for changing the data on the installment period from the data on the received transaction approval request information to the bill expiration period data;

Means for assigning a transaction approval number in accordance with the transaction approval request and means for managing the data on the transaction approval request information and the transaction approval number, including the modified data, by the database 250;

Means for transmitting the information about the granted transaction approval number to an affiliated store terminal via the approval relay van (VAN) 350;

When a request is made to view the database 250 from a terminal 421 of a financial institution, data on a specific item such as insurance subscription information and card usage information (sales information) managed by the database 250 is searched. Means for transmitting a screen to a terminal (421) of the financial institution and reading data relating to a specific item;

Means for receiving insurance claim data from the financial institution server 420 or the terminal 421 of the financial institution, and transmitting the data regarding the insurance claim to the insurance company server 310 and a database of the received insurance claim data. Means for managing by 250;

Means for collecting information data on payment of the card use price of the purchasing company from the financial institution server 420 or the terminal 421 of the financial institution, and means for managing the collected data by the database 250; Characterized by having a bill, the bill instead of paper bills and paper bill sales slip, but by using the bill to replace the bill, the billing company using the bill card deposits the bill payment card to the bank at maturity date It is a matter of course that a person who has a professional knowledge in this field can easily implement the billing insurance subscription and the billing processing brokerage system for bills and bills of sales of bills. .

In the case of a system for relaying a note card issued by a credit card company and in the case of a system for relaying a note card that simply substitutes a note within the framework of an existing note,

If there is a request for a subscription of the insurance insurance from the relay system that does not include a means for subscribing to the insurance, that is, the purchaser's terminal 110, the purchaser's terminal 110 is insured via the host company 200. Means for connecting to the company server 310, the purchaser purchases insurance bills in the insurance company server 310, the payment means for paying the premium, interim billing insurance insurance and premium payment data database ( Means for managing by 250); By including only the remaining means, not including, the intermediary system, except for the process of subscribing to paper insurance, can be easily implemented by a person with expertise in this field.

In the case of a system for relaying a note card issued by a credit card company and in the case of a system for relaying a note card that simply substitutes a note within the framework of an existing note,

Means of acquiring corporate credit evaluation information data of the purchasing company through the corporate credit information providing server 320 and the like through separate membership or card issuance application, etc. The means for obtaining the purchaser's information including the size, the number of years of business, and the like, the purchaser's information, the company's credit evaluation information, the insurance premium, and the total corporate default rate at a given time, are calculated and calculated. Means for calculating, and means for managing, by the database 250, data relating to the obtained information and the amount of the insurance coverage applicable; In addition, it can be easily performed by anyone with professional knowledge in this field to use it as a means of credit evaluation at the time of signing up for the insurance and issuing the card.

In the case of a system for relaying a note card issued by a credit card company and in the case of a system for relaying a note card that simply substitutes a note within the framework of an existing note,

In the means for modifying the installment period to the bill expiration period using software for changing the data on the installment period from the data on the received transaction approval request information described above to bill expiration period data,

Instead of modifying the data on the transaction approval request information in the host company 200, among the data on the transaction approval request information in the authorization broker van (VAN) 350 of the credit card company server 340 or card use approval brokerage company The amendment period can be easily modified by anyone who has expertise in this field using software that converts the data on the installment period into the expiration date data.

In addition, the amendment period is modified to a bill expiration period, because when the general terminal is used without using a dedicated terminal for ease of use of the note card, the general expiration date cannot be displayed in the general terminal, and the terminal does not modify the data. Of course it can be used.

In the case of a system for relaying a note card issued by a credit card company and in the case of a system for relaying a note card that simply substitutes a note within the framework of an existing note,

When there is a request for viewing the database 250 from the terminal 421 of the financial institution described above, the insurance 250 managed by the database 250 relates to a specific item such as information on the insurance card, the use of the paper card, that is, the paper card sales slip information. Means for transmitting a search screen of data to the terminal (421) of the financial institution and reading data relating to a specific item; In

In addition to the data payment screen for the specific item being viewed on the terminal 421 of the financial institution, the 'prepayment and discount application form' is added and displayed on one screen, and the prepayment and discount application form includes the transaction approval number of the bill of sales card, Means for further expressing an application for prepayment and discounts, including the amount of the payment, the date of payment, the sales document discount or prepayment of the expired sales document, or the sales document type that identifies whether the purchaser has already paid the sales document; Means for managing the prepaid and discount application input information data received by the database 250; The collection of information on bills of papers already paid or discounted by financial institutions, of course, is easy for anyone with expertise in this field.

In addition, the payment means and payment data management means further provided in the above, and further comprises a means for automatically transferring online payment from the account of the financial institution to the account of the financial institution from the payment of the prepaid or discounted payment from the financial institution of the financial institution; Brokering for clearing of paper discounts and prepayment can be easily done by anyone with expertise in this field.

In the case of a system for relaying a note card issued by a credit card company and in the case of a system for relaying a note card that simply substitutes a note within the framework of an existing note,

There are two types of bill insurance, which is purchased by a purchasing company, which includes both collective insurance and individual insurance.In the case of collective insurance, a bill can be freely used within a specified period for a certain period of time if only a certain premium is paid. It is suitable for large companies with good credit. Individual insurance is payable to a certain amount of premiums each time a bill is used after signing up for a bill, which is suitable for SMEs with relatively low bill issuance and somewhat less corporate credit.

In addition, individual insurance is divided into post-payment bill and post-paid bill.The post-paid bill is to issue a bill of sale on a bill by adding an insurance premium to the amount you want to pay with the bill after the purchase of the goods. If the purchaser using the insurance company pays the insurance type after payment slip and pays the premium rate at 0.5 percent, and the purchaser pays 10 million won for the bill with a paper card, the purchaser pays 10 million won from the terminal of the merchant. The transaction approval request information is received to the execution host (200) through the approval intermediary van (VAN) 350, and the premium 0.5% of the premium is added to the transaction approval request amount of 10 million won among the transaction approval request information from the execution host (200). Change the transaction approval request amount to 1,500,000 won and transfer it to the credit card company server 340, and again the transaction approval number Obtain information about and send it to the merchant terminal via the VAN 350, or give the transaction approval number to itself and change the VAN 350 to the changed transaction approval request amount. By transmitting to the merchant terminal via the merchant terminal, the merchant terminal eventually receives the transaction approval information for 1,500,000 won, so a card sales slip of 1,500,000 won including an insurance premium of 5 million won is issued. After that, when the merchant reveals the payment card bill to the financial institution and presents the payment, the financial institution checks whether the insurance provider pays the insurance and whether the insurance premium is paid by the host company 200, but the insurance is paid, but the premium has not been paid yet. Therefore, the premium of 50,000 won is collected and deposited to the implementer. In this case, if the sales slip is transferred to a third party while the premium is not paid, the insurance will be ineffective and the post-pay system will be limited to the point where the sales slip is exchanged at the merchant. In other words, of the transaction approval request information received from the card terminal via the authorization intermediary van (VAN) 350 from the execution agent host 200, the data of the 'transaction approval request amount' is added to the data of 'transaction approval request amount plus insurance premium'. After modifying using a software or a program to change the information, the approval information is transmitted to the merchant terminal via the approval intermediary van (VAN) 350 again with the approval.

In addition, the bill postpayment bill is also charged when the billing company pays the bill by the billing company using the bill, and the billing company bills the bill together with the premium on the maturity date. In this case, the billing can be sent using the email, of course.

Thus, when paying the insurance premium separately so that each bill card sales slip is applied to bill insurance each time the bill is used, the bill is received from the merchant terminal via the approval broker van (VAN) 350 to the host company 200. In the transaction approval request information,

Means for discriminating the note insurance subscribers who have been committed by the post-paid sales slip managed by the database 250 among the received transaction approval request information, and change the data of the transaction approval request amount to the transaction approval request amount plus premium data Means for managing by means of a database 2850 data relating to a transaction approval request, including means for correcting using software for modifying the transaction approval request amount;

Means for recovering the premium collected when a financial institution exchanges the bill of draft of the merchant card; Include more,

Means for discriminating bill holders who have been contracted for bill postpayment managed by the database 250 among the received transaction approval request information, means for calculating premiums for bills for subscribers of billed insurance billed as postpaid bills; Means for managing, by the database 250, data relating to the transaction approval request and the premium data including the authorization number and the authorization request amount;

Means for transmitting, to the invoice output device provided at a certain time, data on card usage history and use amount and premiums of a bill insurance subscriber who has been contracted by the database 250 for bill postpayment; In addition, the brokerage system that collects the premiums in advance when using the paper card can be easily carried out by those skilled in the art.

In addition, it is of course possible to collect the premium through the existing means of payment, such as credit card, passbook payment, account transfer.

Accordingly, the purchaser can purchase and sell trades on favorable terms with the paper which is guaranteed by the issuer's bill insurance. This ensures that you are protected from the risk of future losses. At any time, if a draft is presented to a financial institution, it can be immediately refunded because it is guaranteed by the insurance premium of the bill. In other words, regardless of default or maturity notes, if you pay only a small fee, you will not only be prepaid immediately. In addition, instead of bills, note cards can be used as bills.

This will be described in detail with reference to the accompanying drawings.

1 is a diagram illustrating a system configuration according to an embodiment of the present invention.

The terminal 110 of the purchasing company and the terminal 120 of the selling company may be connected to the host company 200, and the terminal 421 of the financial institution may be connected to the host company 200 through a dedicated line and the financial common network 400. It is possible to connect with. The host company 200 performs authentication with the web server 210 to provide a web service such as a homepage to the terminal 110 of the purchasing company, the terminal 120 of the selling company, and the terminals 421 of the financial institution. Certificate server 220, and the database (250) and database (250) for bill insurance subscriber and customer management, subscription application management, insurance subscription information management, corporate credit information management, information viewing, bill information management, etc. Database management server 240, and the central processing unit 230 for managing the.

The host company 200 may be connected to the insurance company server 310 with a business partner by a dedicated line to share or exchange information, and also, Korea Credit Information Co., Korea Credit Rating Information Co., Korea Credit Rating Co., Ltd. and the server (320) of the company or institution that provides corporate credit information, such as the Korea Enterprise Evaluation Co., Ltd. and the host company 200 by a private line, when the issuer of the bill when applying for bill insurance When processing, obtain and use corporate credit evaluation information required for corporate audit.

In addition, the host company 200 is connected to the settlement agency server 330 by a dedicated line for direct collection of premiums, transfer of charges, fee settlement, etc., and also a dedicated line with a credit card company server 340 and an approval brokerage van (VAN) 350. Brokers and obtains information about the transaction approval and transaction approval number. It is also possible to read information on bills, such as overdraft companies, by connecting to the KFTC server 410 by a dedicated line. Also, by connecting to the KFTC server 410 by a dedicated line, it is connected to the financial common network 400 and is a financial institution. The bill information may be shared with the server 420, and may be connected to the terminal 421 of the financial institution to read whether the bill is insured by the terminal 421 of the financial institution.

The insurance company server 310, corporate credit information providing server 320, payment agency server 330, credit card company server 340, authorization broker van (VAN) 350, financial common network 400, financial The settlement source server 410, the financial institution server 420, and the financial institution terminal 421 are preferably connected through a dedicated line for maintaining security, but may of course communicate data via the Internet or other networks.

Figure 2 is a conceptual diagram showing the progress of the relay system to help understand the insurance insurance subscription and the handling of the bill, according to an embodiment of the present invention, not included in the relay system of the present invention to aid understanding It also includes the process that is done offline.

① After the purchasing company connects to the Internet through the terminal 110, and subscribes to the issuer bill insurance of the insurance company through the host company 200, ② The purchasing company purchases goods from the selling company, and ③ ③ If you apply for the paper insurance application of the paper bill before issuing it, ④ the host company 200 approves it within the total application limit amount, and at the same time sends information about the paper insurance application approval to the insurance company, ⑤ sales company Before receiving the papers of the silver purchasing company, first check whether the papers to be insured are insured. ⑥ If the papers are insured, the papers are safe. ⑦ When the seller of the bill of paper presents cash to the financial institution affiliated with the company that implements the present invention whenever cash is needed early, ⑧ The financial institution checks whether the bill is insured, and then ⑨ Insurance In case of signing up for the first maturity or the default bill, the prepayment is made. If the purchaser of the paper issuer defaults on the payment due to advance payment or discount, due to lack of bill settlement, the financial institution defaults on the purchaser and the financial institution passes through the host company 200. When the insurance company claims the insurance payment, the insurance company proceeds to pay the insurance money to the financial institution.

When the purchasing company mentioned above is connected to the Internet through a computer, the company host 200 separately registers or authenticates in the insurance company's issuer bill insurance through the company host 200, but the company name, future Please fill out a 'Registration Application Form' that can identify the information of the affiliated company, including the ID and password to be used, address, contact number, business type, year of business, sales, number of employees, bill issuance, and financial information. It is a matter of course that any person having expert knowledge in this field can easily carry out the means for preparing and the means for managing the collected input information data by the database 250.

Receiving the approval of the insurance coverage for each bill described above, of course, to prevent the issuer of the bill issued by the insurance issuer, and in the case of the collective insurance subscribers to control so as not to be issued more than a predetermined limit.

If there is a request for reading from the terminal 120 of the selling company described above, the authentication process is not performed so that the selling company can freely check whether or not the bill is insured.

When the terminal 120 of the selling company is connected to the host company 200 through the Internet to read the insurance insurance information of the paper, the reading means is not limited to the terminal connected to the Internet. By calling ARS (Automatic Voice Information Service), you can access insurance information or access it through text service, mobile, mobile phone, or wireless Internet communications. Of course it can be done.

The above-mentioned selling company is relayed to securely trade the bill, the financial institution confirms that the bill is guaranteed by the bill, and is relayed to receive a predetermined fee for the bill presented and to pay it in advance or to discount it at a low discount rate. Of course, when there is a request for information viewing from the terminal 120 of the selling company and the terminal 421 of the financial institution, it is of course possible to view the insurance subscription information of the paper to be viewed.

In the case where the selling company, the bill holder mentioned above, pays the bill to the financial institution and receives the payment in advance, in the case of the default bill, it was not possible to receive the payment because it was presented to the bank on the maturity date. Since the bill is equal to the full amount paid by the insurance, the financial institution can collect the bill first by paying some billing fees to the bill holder, and then bill the insurance company to collect the bill.

In addition, when the bill holder presents the bill to the financial institution and receives the payment in advance, the bill holder must present the bill to the bank at least one day before the expiration date. In the present invention, the payment was made at least 2-3 days through internal processing, such as through the clearing house of the KFTC. However, in the present invention, the total amount of the bill is guaranteed by the insurance money. After receiving the handling fee, the financial institution immediately pays the maturity bill to the holder of the bill first. If the bill is in default, it can be collected by claiming insurance.

In the bankruptcy processing of the purchaser who has failed in the above-mentioned financial institution, the financial institution first requests the insurance company to pay the insurance company through the execution company host 200 at the time of the first bankruptcy. If the issuer of the first bank defaulted is determined to be surplus due to a temporary shortage of operating funds, or if there is a possibility of rehabilitation, the insurance company decides whether to pay the claim. Will be able to escape the final bankruptcy and make self-help efforts. However, if the claim is refused immediately, the financial institution will claim the claim again after the billing company is finalized, making it easier for anyone with expertise in this field. Of course it can.

The above-mentioned e-bonds are bonds issued electronically through the banking bank's Internet banking to purchase the goods by a company that has pre-arranged with the bank and designate the selling company as a creditor. However, there is a difference between the fact that it is implemented electronically and the notes are discounted when cashed early, but the electronic bonds are secured by credit loans. However, it is the same that sanctions are applied at the same level as bills in case of non-payment.

Therefore, the purchaser, the issuer of the bond, is required to purchase bill insurance for unguaranteed electronic bonds that the bank cannot guarantee due to the lack of its own credit or collateral. (200) to approve the billing insurance of the accounts receivable. When a seller applies for an electronic bond security loan to a bank, the bank connects to the host company 200 and confirms the insurance subscription of the electronic bond, and immediately enforces the security loan based on the payment guarantee by the insurance money of the bill. Of course, anyone with expertise in this field can be easily carried out.

In the above-mentioned electronic credit loan secured loan system, instead of the purchaser paying the purchase price of the goods in advance, the supplier receives a loan from the bank to secure the credit loan and recovers the cash in advance. After this, the purchaser repays the loan. Instead of issuing bills, the loan is secured by credit sales. If the company wants to cash out early, banks preempt interest on loans as in the case of bill discounts. This is similar to the above-mentioned electronic bond and implements bills electronically.

However, since it is a mortgage loan secured by credit sales receivables, if a purchaser who issues credit receivables is credited like a large company or does not have sufficient collateral, the credit receivables themselves are not worth as collateral, It is difficult to use. Therefore, the purchaser as a credit issuer is required to purchase a bill insurance, and each time the issuance of each trade receivables are connected to the host company 200 through the Internet to approve the bill insurance of the trade receivables. When the seller applies for credit receivable loan to the bank, the bank connects to the host company 200 and confirms the insurance subscription of the credit receivable, and immediately executes the secured loan based on the payment guarantee by the insurance money of the bill. It is a matter of course that anyone with professional knowledge in this field can easily carry out.

Figure 3 is a conceptual diagram of a system for relaying the use of bills and bills slips issued by a credit card company that functions similar to the bills as bills, which is not included in the relay system of the present invention for better understanding. It is also shown including the process that takes place in.

① The purchaser is connected to the host company 200 via the Internet, but through the host company 200 to the insurance company server 310 to subscribe to the insurance, ② Apply for a paper card issued based on the insurance company The credit card company is connected to the credit card company server 340 via the host 200, and the card issuance issuance. ③ The credit card company issues a bill to the purchaser. ④ If the purchasing company purchases the goods from the card merchant that is the selling company and pays the card on the condition that the bill is repaid on the designated maturity date after a certain period of time, ⑤ transaction approval request information is received from the terminal of the merchant. It is transmitted to the credit card company server 340 via 350 and via the enforcement company host 200. ⑥ When the credit card company server 340 approves the use of the card, the information about the transaction approval number is passed back to the card terminal of the card merchant through the authorization agency van (VAN) 350 through the enforcement agency host 200 and the card. Payment is made. Then, when the merchant affiliated with the seller confirms that the credit card slip is a card sales slip that is subscribed to a bill of insurance, and then presents the payment, the bank asks the host 200 to verify the authenticity of the credit card slip. , Check whether the insurance is insured, the expiration date, etc. ⑨ If the sales slip in the bill insurance, the expired sales slips are exchanged immediately, and discounted if the sales slip is presented before the expiration date for early cashing. The credit card company pays the credit card paid to the merchant by the financial institution, and the purchaser pays the card use payment on the maturity date. If the purchaser fails to pay the credit card, the credit card company bills the enforcer host 200 and the enforcer host 200 immediately transmits the claim data to the insurance company server 310. Consists of paying the credit card companies.

In the above-mentioned paper card issuance, it is preferable that the amount of money used by the purchaser is given within the amount of the insurance company to pay the insurance money.

Of course, in the case of the non-payment of the credit card payment, it is possible to negotiate with the credit card company to pay the insurance money when a certain period of delinquency has passed.

FIG. 4 is a conceptual diagram of a bill insurance subscription system in which a bill is simply replaced with a bill of paper within a framework of an existing bill instead of the bill according to an embodiment of the present invention, and a handling processing relay system of the bill of bills subscribed to the bill; For the sake of clarity, it also includes a process performed offline that is not included in the relay system of the present invention.

① The purchaser is connected to the host company 200 via the Internet, but through the host company 200 to the insurance company server 310 to subscribe to the insurance, ② Apply for a card issued on the basis of the insurance, ③ Issue a note card to the purchasing company. (4) The buyer shall purchase the goods from the card merchant that is the seller and pay the bill on the maturity date specified after a certain period of time. ⑤ When the transaction approval request information is received from the terminal of the merchant via the approval intermediary van (VAN) 350 to the host company 200, ⑥ assign a transaction approval number according to the transaction approval request information, and the transaction approval number Information is delivered to the card terminal of the card merchant via the approval intermediary van (VAN) 350 and the card payment is made. Then, when the merchant affiliated with the seller confirms that the sales slip is insured by the insurance company in order to cash the card sales slip and presents it, ⑧ the financial institution connects to the host company 200 and confirms the authenticity of the card sales slip, After confirming whether the insurance is insured, the expiration date, etc. ⑨ In the case of sales slips, the expired sales slips are exchanged immediately. If the sales slips are presented before the maturity date, the discount is given. The purchaser pays the card use on the maturity date. If the purchaser fails to pay for the card, the primary bankruptcy will occur, and the financial institution will claim the insurer host 200 and the insurer host 200 immediately sends the insurance claim data to the insurance company server 310. The insurance company pays or rejects the insurance company to determine whether the first bankrupt buyer has been surplus or is likely to regenerate. will be. ⑬However, if the insurance company refuses to pay the insurance immediately and the purchaser cannot make the payment on its own, the final bankruptcy will be reached. When a financial institution claims insurance after the final bankruptcy, the insurer pays the insurance premium.

In the present invention, even if the bill is paid, by paying the full amount of the bill, if the bill holder presents the bill to the financial institution at any time, the financial institution only checks whether the bill is insured, Due to the fact that maturity notes are subject to a certain fee, they are prepaid immediately and discounted notes are immediately discounted.

In addition, if the discount is made, the full amount of the default bill will be compensated by the insurance money. Therefore, if the insurance company confirms that the insurance is insured regardless of the issuer's credit rating, the discount rate can be discounted. It is effective.

In addition, in the case of a company that has a primary bankruptcy due to the lack of bill payments deposited at a financial institution on the expiration date of the bill, the company's bankruptcy occurs by immediately insured not only the surplus company but also the rehabilitable company. It has the effect of suppressing.

In addition, when using a bill card can obtain the same effect as when using the bill, because it can be used not only a dedicated terminal, but also a conventional credit card terminal has a very convenient advantage.

The use of paper cards, unlike paper transactions, contributes to tax definition because all transactions are transparent.

When a purchaser purchases a bill of insurance, the insurance company limits the amount of insurance coverage that is appropriate to the purchaser's ability and limits the issue of bills by applying the bill of insurance within that range. In case of issuance of bills exceeding the total covered amount, the risk of default is also increased. Therefore, by setting a higher premium, there is a natural effect of preventing bills due to the correlation between default risk and premium.

Claims (14)

In the mediation system of bill issuer's bill insurance and the handling and handling brokerage system of bills with the insurance, It is equipped with authentication means, connected to insurance company server, corporate credit information provider or institution server, KFTC server, etc., and has its own web server, certificate server, database management server, database, central processing unit (CPU), etc. The host of the company (hereinafter referred to as the implementer) that implements the present invention, the terminal of the purchasing company and the terminal of the selling company is connected to the Internet, the terminal of the financial institution is connected to the leased line and the financial common network or connected through the Internet If there is a request for the insurance insurance from the terminal of any of the purchasing companies, a means for connecting the terminal of the purchasing company to the insurer host via the host of the enforcement company, and at the insurer's server, the purchaser can subscribe to the insurance and pay the premium. Means for enabling and means for managing, by a database, data relating to interim billing and insurance payment; Means for authenticating the purchaser when there is an application for applying for the insurance for each note from the terminal of the purchaser who is the buyer of the insurance; Means for authorizing each bill to be applied to bills within a predetermined billable amount when the purchaser is authenticated, and means for managing data relating to the bill insurance approval of each bill by a database; When a request is made to view the database from the terminal of the selling company, a search screen of the bill insurance application approval data of each bill managed by the database is transmitted to the terminal of the selling company, and the bill insurance application of each bill is approved. Means for viewing the data; If a request is made to view the database from the terminal of the financial institution, a search screen of the bill insurance application approval data of each bill managed by the database is transmitted to the terminal of the financial institution, and the bill insurance application of each bill is approved. Means for viewing the data; Means for authenticating a terminal of the financial institution or an employee of the financial institution when there is a request for payment of a defaulted bill from the terminal of the financial institution; Means for receiving insurance payment request information for a bankruptcy bill from a terminal of the financial institution when the terminal of the financial institution or an employee of the financial institution is authenticated, and transmitting the insurance payment request information data to a insurance company host by a database; Means for managing; Means for collecting information about an insurance payment made by an insurer in response to the payment request; And a bill handling brokerage system for bills subscribed to the bill. If there is a request for application of paper insurance for each paper from the terminal of the buyer of the bill insurance company of claim 1, if the purchase company is certified, and if the buyer is certified, each of the bills of the insurance policy applicable in advance Means of authorizing a bill to be applied for bill insurance, When each bill is to be applied to bill insurance, the insurance premium is to be paid separately. The means of connecting the terminal of the purchasing company to the insurer's server through the host of the provider and the insurer's server to pay the insurance premium separately. Means; Relay system further comprising. In the terminal of any of the purchasing company connected to the insurance company host via the enforcement company host, the purchasing company to buy the bill insurance, The host company has a payment method and payment data management means for collecting the premiums, the means for entering into the insurance contract for the purchase of insurance with the purchaser directly, the payment means for collecting the premiums, Means for managing data about a subscription contract and a premium payment by a database, and means for transmitting the data about the insurance contract to an insurance company. A relay system further comprising a billing company similar to paper bills, electronic credit sales receivables, electronic credit sales receivables, etc., the purchaser of which is the issuer, on the Internet and the handling and relaying of the receivables. In a system for relaying the use of paper bills and bills slips issued by a credit card company that functions similar to the paper bills on the Internet or a network, It is connected to insurance company server, credit card company server, credit card use authorization van (VAN), KFTC server, financial institution server, etc. by leased line, and itself is a web server, database management server, database, central processing unit (CPU). The host of the developer having the back is connected to the terminal of the purchasing company by the Internet, and the terminal of the financial institution is connected to the leased line and the financial common network or through the Internet, When there is a request for the insurance insurance from the terminal of any of the purchasing companies, a means of connecting the purchasing company's terminal to the insurance company server via the host company host, and the purchasing company subscribes to the insurance insurance at the insurance company server and pays the premium. Means for administering, and means for managing interim billing insurance premium and premium payment data by a database; A means for making a payment card issuance request from the terminal of the purchasing company, means for connecting the terminal of the purchasing company to the credit card company server via the host company, a means for the purchaser to apply for a card issue at the credit card company server; Means for managing data relating to an application for issuing a draft card intercepted by the database; Means for receiving data on the transaction approval request information from the VAN of the credit card authorization broker, and means for receiving data on the transaction approval request information, and data on the received transaction approval request information. Means for modifying the installment period to the bill expiration period using software for changing the data on the installment period to the bill expiration date data, and transmitting the data on the transaction approval request information including the modified data to the credit card company server. Means, and means for managing transaction approval request information, including the modified data, by a database; If there is a request for data transmission from the credit card company server about the transaction approval number information, the means for receiving the data about the transaction approval number information, and the received data about the transaction approval number information in real time to the approval relay van (VAN) Means for transmitting, and means for managing information data relating to a transaction approval number by a database; When a request is made to view the database from a terminal of a financial institution, a search screen for data relating to a specific item such as insurance subscription, bill card use, and information on sales slips managed by the database is displayed on the terminal of the financial institution. Means for transmitting and retrieving data relating to a particular item; Means for receiving data on insurance claims from the credit card company server and forwarding the data on insurance claims to the insurance company server, and means for managing the received insurance claims data in a database; Means for collecting information data relating to the card payment of a purchasing company and means for managing the collected data by a database; A brokerage system for the purchase of a company's bill insurance and issuance and use of bills of the purchase company, characterized by having In the billing insurance subscription system in which a bill is simply replaced by the use of a bill in a paper bill instead of the bill, and a handling and processing relay system of the bill in the bill, Like a credit card company, it has data processing and management means based on credit card use such as receiving authorization request information and granting transaction approval number. The insurance company server 310, the approval relay van (VAN) 350, the KFTC server 410, the financial institution server 420 and the like connected to a dedicated line, the web server 210, the database management server 240 ), A host company 200 having a database 250, a central processing unit (CPU) 230, or the like, is connected to a terminal 110 of a purchasing company via the Internet, and a terminal line 421 of a financial institution is provided with a dedicated line. Connected to the financial common network 400 or connected through the Internet, Means for connecting the insurance company's terminal 110 to the insurance company server 310 via the enforcement company host 200, if there is a request for the insurance insurance from the terminal 110 of any of the purchasing company, and the purchasing company Means for subscribing to the bill insurance at the insurance company server 310 and paying the insurance premium, and for managing the billing insurance subscription and the premium payment data intercepted in the middle by the database 250; If there is a request for issuing a card from the terminal 110 of the purchasing company, the database 250 manages the means for receiving the card issuing application from the terminal 110 of the purchasing company, and the data relating to the billing card issuance application; Way; Means for receiving data relating to the transaction approval request information from the merchant terminal when there is a data transfer request regarding the note card transaction approval request information via the approval intermediary van (VAN) 350; Means for modifying the installment period to the note expiration period using software for changing the data on the installment period from the data on the received transaction approval request information to the bill expiration period data; Means for assigning a transaction approval number in accordance with the transaction approval request and means for managing the data on the transaction approval request information and the transaction approval number, including the modified data, by the database 250; Means for transmitting the information about the granted transaction approval number to an affiliated store terminal via the approval relay van (VAN) 350; When a request is made to view the database 250 from a terminal 421 of a financial institution, data on a specific item such as insurance subscription information and card usage information (sales information) managed by the database 250 is searched. Means for transmitting a screen to a terminal (421) of the financial institution and reading data relating to a specific item; Means for receiving insurance claim data from the financial institution server 420 or the terminal 421 of the financial institution, and transmitting the data regarding the insurance claim to the insurance company server 310, and a database of the received insurance claim data. Means for managing by 250; Means for collecting information data on payment of the card use price of the purchasing company from the financial institution server 420 or the terminal 421 of the financial institution, and means for managing the collected data by the database 250; Characterized by having a bill, and instead of paper bills and paper bills, using the bills, but instead of paper bills, by using the paper bills, such as bills, the purchaser using the bills to pay bills on the expiration date Brokerage system for handling bill insurance and bills of bills and bills sold with bills that are deposited in banks The method according to claim 5 or 6, "If there is a request for the insurance insurance from the terminal of any purchaser, means for connecting the purchaser's terminal to the insurer's server via the host company's host, and the purchasing company insures the insurance at the insurer's server. A billing card issuing application and a bill card of a purchasing company, characterized in that the billing means and the means for managing interim interim billing insurance and premium billing data are managed by a database; Brokerage system for use. The method according to claim 1 or 5 or 6, Means of acquiring corporate credit evaluation information data of the purchasing company by connecting to a corporate credit information providing server and a dedicated line, and through a separate membership registration process, such as the financial status, bill issuance, debt size, number of business years, etc. A means for calculating the applicable amount of the billable amount of the note insurance of the purchaser by combining the means for obtaining the purchaser's status information, including the purchaser's information, corporate credit evaluation information, insurance premiums, and total corporate default rate And means for managing, by the database 250, data relating to the obtained information and the calculated amount of the bill of insurance coverage applicable; In addition, a relay system that uses this as a means of credit evaluation when applying for insurance, applying for insurance, and issuing a card. In claim 5 or claim 6 'Means for modifying the installment period to the note expiration period using software for changing the data on the installment period from the data on the received transaction approval request information to the bill expiration period data, The data regarding the installment period from the data on the transaction approval request information in the authorization brokerage van of the credit card company server or the card use approval brokerage company without modifying the data on the transaction approval request information in the host company. And means for modifying the installment period to a bill expiration period using software for converting to data. Claim 1 or 5 or 6, if there is a request to view the database from the terminal of the financial institution transmits a search screen of data relating to a specific item managed by the database to the terminal of the financial institution and the specific item Means for viewing data relating to; In Means for displaying in a single screen by adding a 'prepayment and discount application form' column to a data viewing screen for a specific item being viewed at the terminal of the financial institution, and managing the received prepayment and discount application input information data by a database. And a means for collecting information on bills or paper card sales slips prepaid and discounted by a financial institution. In accordance with the prepayment and discount application information received in claim 10, the settlement payment paid by the financial institution in advance or by discount on the bill or bill of the card with which the insurance is subscribed is automatically transferred from the execution company's account to the account of the financial institution. Means of making an online transfer to: An intermediary system further comprising a mediation of a discount and advance payment of a financial institution. The mediation system according to claim 5 or 6, wherein the purchasing company connects to the enforcement company host via the Internet from the terminal of the purchasing company, and processes the insurance insurance subscription and the card issuing application in one stop at a time. The method according to claim 5 or 6, Among the data on the transaction approval request information received, the merchant does not include the means for modifying the installment period to the bill expiration period by using software that changes the data on the installment period into the bill expiration period data, and the merchant stores only the remaining means. A relay system for transmitting and receiving transaction approval request information by using. The method according to claim 5 or 6 When a bill is paid separately in order for each bill card sales slip to be applied to bill insurance each time the bill is used, a transaction received from the merchant terminal via the approval broker van (VAN) 350 through the host company 200. For approval request information, Means for discriminating the note insurance subscribers who have been committed by the post-paid sales slip managed by the database 250 among the received transaction approval request information, and change the data of the transaction approval request amount to the transaction approval request amount plus premium data Means for managing by means of a database 2850 data relating to a transaction approval request, including means for correcting using software for modifying the transaction approval request amount; Means for recovering the premium collected when a financial institution exchanges the bill of draft of the merchant card; Or means for discriminating among the bill holders who have agreed to bill insured bills managed by the database 250 among the received transaction approval request information, and means for calculating the premiums of bills for insurance bills committed to bill invoices; Means for managing data related to the transaction approval request and premium data including the transaction approval number and the authorization request amount by the database 250; Means for transmitting, to the invoice output device provided at a certain time, data on card usage history and use amount and premiums of a bill insurance subscriber who has been contracted by the database 250 for bill postpayment; Brokerage system that collects premiums on postpay bills